Holton & Kosanke Wealth Management, LLC

Holton & Kosanke Wealth Management, LLC Investment advisory services are offered through Holton & Kosanke Wealth Management, LLC; an Arizona domiciled registered investment advisor.

09/25/2026

The Fed just raised rates for the first time since 2023. If you made big financial decisions in a low-rate environment, it's worth taking another look.

Last week the FOMC voted unanimously to raise the federal funds rate to 3.75%-4%. Markets are already pricing in another hike before year end.

For physicians, this has real implications that go beyond what the stock market does in response.

Rising rates affect the cost of any new debt you take on, but they also change the calculus on debt you already have. High yield savings accounts are now averaging around 3.50%. For a physician carrying older loans at a low fixed rate, that changes the conversation around aggressive payoff. If your loan rate is lower than what you can earn sitting in a high yield savings account, paying that debt down as fast as possible may not be the best use of your money.

Rate environments shift everything. How you manage debt, how you structure your savings, and how your portfolio is positioned all look different today than they did a few years ago.

If you haven't revisited those decisions recently, we can help you through the process.

Investment advisory services are offered through Holton & Kosanke Wealth Management, LLC; an Arizona domiciled registered investment advisor. This content is for educational and informational purposes only and does not constitute personalized investment, tax, or legal advice. Investment involves risk, including possible loss of principal. Past performance is not indicative of future results. Please consult a qualified financial advisor, tax professional, or attorney before making financial, tax, and legal decisions.

"Likes" should not be considered a positive reflection or endorsement of the investment advisory services offered by the advisor. Visitors to this page must refrain from posting positive reviews of their experiences with the advisor or its services as such testimonials are prohibited under state laws and may not reflect the experience of all Clients of the advisor.

09/18/2026

A high income is one of the best things that can happen to your financial life. It can also make it very easy to ignore problems that are quietly getting worse.

When money is coming in consistently, the instinct to sit down and look carefully at the full picture goes away. Things feel fine. And when things feel fine, it's easy to put off the conversations you know you should probably be having.

But a high income doesn't automatically mean things are fine. It just means the problems are less visible. Taxes that are higher than they need to be. Insurance gaps that haven't been looked at in years. A retirement timeline that's never actually been modeled out. A savings rate that hasn’t grown proportionately to your salary.

None of these feel urgent when the direct deposit hits every two weeks. They start to feel urgent when something changes and you realize you're less prepared than you thought.

If you’re ready to take an active planning mindset, we’re here to help you every step of the way.

Investment advisory services are offered through Holton & Kosanke Wealth Management, LLC; an Arizona domiciled registered investment advisor. This content is for educational and informational purposes only and does not constitute personalized investment, tax, or legal advice. Investment involves risk, including possible loss of principal. Past performance is not indicative of future results. Please consult a qualified financial advisor, tax professional, or attorney before making financial, tax, and legal decisions.

"Likes" should not be considered a positive reflection or endorsement of the investment advisory services offered by the advisor. Visitors to this page must refrain from posting positive reviews of their experiences with the advisor or its services as such testimonials are prohibited under state laws and may not reflect the experience of all Clients of the advisor.

09/11/2026

Many physicians don’t spend nearly enough time thinking about their workplace benefits.

Open enrollment comes around, the packet lands in the inbox, and many physicians pick what they picked last year and move on. It's not laziness. It's just that the document is 40 pages long with a quickly approaching deadline and there are patients to see.

Physicians often have both access to and available funds for benefits that go well beyond that of an average employee. 457(b) deferred compensation plans that can shelter a significant amount of income from taxes each year. Cash balance plans that can allow high earners to set aside amounts that dwarf a standard 401(k).

These often aren’t utilized properly because nobody explained them at the right time.

If open enrollment is coming up and you'd like a second set of eyes on your options, feel free to reach out!

Investment advisory services are offered through Holton & Kosanke Wealth Management, LLC; an Arizona domiciled registered investment advisor. This content is for educational and informational purposes only and does not constitute personalized investment, tax, or legal advice. Investment involves risk, including possible loss of principal. Past performance is not indicative of future results. Please consult a qualified financial advisor, tax professional, or attorney before making financial, tax, and legal decisions.

"Likes" should not be considered a positive reflection or endorsement of the investment advisory services offered by the advisor. Visitors to this page must refrain from posting positive reviews of their experiences with the advisor or its services as such testimonials are prohibited under state laws and may not reflect the experience of all Clients of the advisor.

09/04/2026

Handing your finances off to someone and never thinking about them again feels like a solution. It can be a huge mistake.

Physicians are busy. The last thing most want to do after a full day of patients, documentation, and everything else that comes with the job is sit down and think about their investment portfolio. They find someone they trust, hand it over, and move on.

That's understandable. But there's a difference between delegating and disengaging.

When you're fully checked out of your own financial life, small problems don't get caught. A beneficiary designation that was never updated. A life insurance policy that lapsed quietly. A workplace benefit that's been sitting on the table unclaimed for years. None of these things show up on a quarterly statement and none of them require a market downturn to cause real damage.

That’s why we work side-by-side with physicians on an ongoing basis, tackling problems together. By aiming for a meeting frequency of at least quarterly, we facilitate a transparent environment that keeps the client aware and engaged with each aspect of their financial plan.

If this model fits well with your needs, please don’t hesitate to reach out!

Investment advisory services are offered through Holton & Kosanke Wealth Management, LLC; an Arizona domiciled registered investment advisor. This content is for educational and informational purposes only and does not constitute personalized investment, tax, or legal advice. Investment involves risk, including possible loss of principal. Past performance is not indicative of future results. Please consult a qualified financial advisor, tax professional, or attorney before making financial, tax, and legal decisions.

"Likes" should not be considered a positive reflection or endorsement of the investment advisory services offered by the advisor. Visitors to this page must refrain from posting positive reviews of their experiences with the advisor or its services as such testimonials are prohibited under state laws and may not reflect the experience of all Clients of the advisor.

08/28/2026

If the only time you hear from your financial advisor is when the market drops, it may be time for a change.

A lot of physicians have an investment manager. Someone who watches the portfolio, sends a quarterly statement, and calls when there are market swings.

That's not nothing. But it's a narrow version of what a financial advisor should be doing.

The best financial relationships we've seen work more like the one you have with a good physician. Proactive. Anticipating problems before they surface. Checking in not because something went wrong but because your situation changes over time and the plan should change with it.

Did you change jobs this year? That has financial implications. Did your income go up significantly? There are things to do about that before tax season. Are your kids getting closer to college age? That window is shorter than it feels.

A good advisor isn't waiting for the market to give them a reason to call you. They already know what's happening in your life and they're planning around it.

If that's not the relationship you have, feel free to reach out and see if we would be a good fit!

Investment advisory services are offered through Holton & Kosanke Wealth Management, LLC; an Arizona domiciled registered investment advisor. This content is for educational and informational purposes only and does not constitute personalized investment, tax, or legal advice. Investment involves risk, including possible loss of principal. Past performance is not indicative of future results. Please consult a qualified financial advisor, tax professional, or attorney before making financial, tax, and legal decisions.

"Likes" should not be considered a positive reflection or endorsement of the investment advisory services offered by the advisor. Visitors to this page must refrain from posting positive reviews of their experiences with the advisor or its services as such testimonials are prohibited under state laws and may not reflect the experience of all Clients of the advisor.

08/21/2026

Many physicians don't choose when they retire. The decision is made for them.

It usually doesn't happen the way they imagined. It's not a planned send-off with a clear transition. It's a health issue that comes out of nowhere, a practice situation that becomes untenable, a merger that changes everything, or simply a level of exhaustion that doesn't go away anymore.

By the time it happens, there's no time to prepare. The income stops and whatever is in place has to be enough.

The physicians who retire on their own terms have one thing in common. They started planning for that moment long before it arrived. Not because they were in a rush to stop working, but because having a plan meant the choice was theirs to make.

That's the part most people don't think about until it's too late. Retirement planning isn't just about having enough money. It's about making sure that when the moment comes, whether you chose it or not, you're ready for it.

Investment advisory services are offered through Holton & Kosanke Wealth Management, LLC; an Arizona domiciled registered investment advisor. This content is for educational and informational purposes only and does not constitute personalized investment, tax, or legal advice. Investment involves risk, including possible loss of principal. Past performance is not indicative of future results. Please consult a qualified financial advisor, tax professional, or attorney before making financial, tax, and legal decisions.

"Likes" should not be considered a positive reflection or endorsement of the investment advisory services offered by the advisor. Visitors to this page must refrain from posting positive reviews of their experiences with the advisor or its services as such testimonials are prohibited under state laws and may not reflect the experience of all Clients of the advisor.

08/14/2026

You wouldn't treat a patient without a full picture of their health. Most physicians manage their finances without one.

Think about what a good clinical workup looks like. You gather the history, run the labs, look at everything together before you make a call. You don't prescribe based on one symptom in isolation.

Most physicians manage their finances the exact opposite way. They open a 401(k) here, buy a life insurance policy there, refinance the student loans when the rate looks good, and make each decision independently without ever stepping back to look at the whole picture.

That's not a plan. That's a collection of individual decisions that may or may not be working together.

A real financial plan works the way a good diagnosis does. It starts with the full picture, identifies what's missing, flags what's working against you, and puts together a strategy where everything is moving in the same direction.

If you're looking for a comprehensive financial plan, let us know!

Investment advisory services are offered through Holton & Kosanke Wealth Management, LLC; an Arizona domiciled registered investment advisor. This content is for educational and informational purposes only and does not constitute personalized investment, tax, or legal advice. Investment involves risk, including possible loss of principal. Past performance is not indicative of future results. Please consult a qualified financial advisor, tax professional, or attorney before making financial, tax, and legal decisions.

"Likes" should not be considered a positive reflection or endorsement of the investment advisory services offered by the advisor. Visitors to this page must refrain from posting positive reviews of their experiences with the advisor or its services as such testimonials are prohibited under state laws and may not reflect the experience of all Clients of the advisor.

08/07/2026

Most physicians don't have a financial plan. They have financial accounts.

There's a difference, and it's bigger than most people realize.

A lot of physicians come to us thinking the job of a financial advisor is to manage their investments. Pick funds, watch the market, rebalance when things get out of line. That's part of it, but if that's all you're getting, you're leaving a lot on the table.

The physicians who are actually in a strong financial position aren't just invested. They have a plan that ties everything together. What to do with student debt. How to maximize workplace benefits most people ignore. How to structure college savings without sacrificing retirement. How to protect what they've built with the right estate documents. How to keep more of what they earn through intentional tax planning.

None of those things happen automatically just because you have a brokerage account.

If you've never had a conversation that covered all of that in one sitting, it might be worth having one.

Investment advisory services are offered through Holton & Kosanke Wealth Management, LLC; an Arizona domiciled registered investment advisor. This content is for educational and informational purposes only and does not constitute personalized investment, tax, or legal advice. Investment involves risk, including possible loss of principal. Past performance is not indicative of future results. Please consult a qualified financial advisor, tax professional, or attorney before making financial, tax, and legal decisions.

"Likes" should not be considered a positive reflection or endorsement of the investment advisory services offered by the advisor. Visitors to this page must refrain from posting positive reviews of their experiences with the advisor or its services as such testimonials are prohibited under state laws and may not reflect the experience of all Clients of the advisor.

07/31/2026

1 in 3 medical groups lost a physician in the past year due to burnout. Chances are you know someone it happened to.

A 2026 MGMA poll found that 33% of medical groups reported a physician retiring or leaving in the past year due to burnout, up from 27% just two years prior. ¹

A physician who burns out at 47 and leaves clinical medicine 15 years early doesn't just lose their salary. They lose 15 years of compounding retirement contributions, practice equity they would have built, and Social Security credits that can't be recovered. ²

Most physicians have no financial model for what that costs them.

If you're in your 40s or 50s and feeling the weight of it, the question worth asking isn't just "how do I get through this?" It's "if something had to change, would I be financially ready to make that call?"

That's what a comprehensive financial plan helps you answer.

Reach out if you'd like to have that conversation.

¹ MGMA, Physician Burnout and Early Retirement, April 2026 - mgma.com
² MedMoneyGuide, Physician Burnout and Finances: The Hidden Cost Nobody Quantifies - medmoneyguide.com

Investment advisory services are offered through Holton & Kosanke Wealth Management, LLC; an Arizona domiciled registered investment advisor. This content is for educational and informational purposes only and does not constitute personalized investment, tax, or legal advice. Investment involves risk, including possible loss of principal. Past performance is not indicative of future results. Please consult a qualified financial advisor, tax professional, or attorney before making financial, tax, and legal decisions.

"Likes" should not be considered a positive reflection or endorsement of the investment advisory services offered by the advisor. Visitors to this page must refrain from posting positive reviews of their experiences with the advisor or its services as such testimonials are prohibited under state laws and may not reflect the experience of all Clients of the advisor.

07/22/2026

Private equity is coming for physician practices. Are you prepared for the conversation?

Global healthcare private equity hit a record-breaking $191 billion in disclosed deal value in 2025.¹ Firms are actively looking for physician practices to acquire, and if you own one, there's a real chance you've already received an unsolicited offer or will soon.

The financial upside can be real. So can the downside if you walk in unprepared.

Three things every physician-owner should know right now:

1. Do you know what your practice is worth? Valuations typically use EBITDA multiples of 4-8x, and knowing where you fall before any conversation starts is essential. ²

2. Deal structure determines your after-tax proceeds as much as the headline number does.

3. Once you sign, your leverage is gone.

Reach out if you'd like to talk through where you stand.

¹ FOCUS Investment Banking, Physician Practice M&A Multiples 2026 - focusbankers.com
² Revonary, Buying Into a Medical Practice: Financial Planning Guide for Physicians - revonary.com

Investment advisory services are offered through Holton & Kosanke Wealth Management, LLC; an Arizona domiciled registered investment advisor. This content is for educational and informational purposes only and does not constitute personalized investment, tax, or legal advice. Investment involves risk, including possible loss of principal. Past performance is not indicative of future results. Please consult a qualified financial advisor, tax professional, or attorney before making financial, tax, and legal decisions.

“Likes” should not be considered a positive reflection or endorsement of the investment advisory services offered by the advisor. Visitors to this page must refrain from posting positive reviews of their experiences with the advisor or its services as such testimonials are prohibited under state laws and may not reflect the experience of all Clients of the advisor.

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8427 N Mountain Stone Pine Way
Tucson, AZ
85743

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+15206387788

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